Home Loans Toowoomba QLD — Compare Rates & Lenders
Compare home loan options in Toowoomba across 60+ lenders. See the local median price, what deposit you'll need, and an estimated monthly repayment before you talk to a broker.
Home Loans in Toowoomba, QLD
Toowoomba sits in Queensland (QLD), postcode 4350. The median house price is around $650,000 and the median unit price is about $450,000. With a 20% deposit of roughly $130,000, a borrower would finance about $520,000 — an estimated $3,148 per month over 30 years at 6.09% p.a.
First home buyers in QLD should review the grants and concessions administered by Queensland Revenue Office. The First Home Owner Grant is currently $30,000 for eligible new homes up to $750,000. Eligible buyers may also receive a full stamp duty exemption on homes up to $700,000.
SW Brokerage compares more than 60 lenders to find the sharpest rate and structure for buyers in Toowoomba. Whether you're purchasing your first home, refinancing or investing, our senior brokers handle the process end-to-end — at no cost to you for residential loans.
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Deposit breakdown for Toowoomba
| Deposit | Deposit amount | LVR | Est. LMI | Loan amount | Est. monthly |
|---|---|---|---|---|---|
| 5% deposit | $32,500 | 95% | $22,848 | $640,348 | $3,876 |
| 10% deposit | $65,000 | 90% | $12,285 | $597,285 | $3,616 |
| 20% deposit | $130,000 | 80% | No LMI | $520,000 | $3,148 |
Based on a median price of $650,000 at 6.09% p.a. over 30 years. LMI is indicative only.
First home buyer help in QLD
First Home Owner Grant
Eligible new homes up to $750,000.
Stamp duty concession
Full exemption ceiling for eligible first home buyers.
FHOG eligibility checklist
- Australian citizen or PR
- First property purchase
- Live in the home 6–12 months
- Under the price cap
Always confirm current eligibility and amounts with Queensland Revenue Office.
Variable rates
Flexible, offset-friendly, move with the market.
Fixed rates (1–3 yr)
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Toowoomba home loan FAQs
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